What A Good Financial Adviser Can Do For You

Good Financial AdviserIndividuals who look into financial planning are believed to be forward thinking, conservative and caring people who wish to enjoy their retirement years, would like to financially help their families, and would like to have peace of mind to know that their lifestyle may continue.

Some individuals do financial planning for themselves, while other seek assistance from a professional. If you are thinking about hiring professional help then it is important for you to know what you can expect a good financial adviser will provide you, as well as have the ability to discern the difference between someone who is a salesman and somebody offering fiduciary financial planning advice who carries a valid designation or certification.

Financial Planning Defined

The process of financial planning includes:

Understanding what your financial goals are; knowing when your money will need to be used, and what you will need to use it for. Next a plan of action needs to be laid out with specific steps taken in order for those goals to be achieved.

For a financial adviser (also referred to as a financial planner) to provide good advice, he must collect financial and personal data about you. This data is used for creating projections that inform you how and when you will be able to accomplish your goals.

What activities are performed by a financial adviser?

  • What you should do differently
  • How much money you need to save
  • What kinds of retirement accounts you should use.
  • What kind of mortgage you should get
  • How much and what kind of insurance you need (it would include disability, long term care insurance, life insurance. Some financial advisers also provide advice on health, casualty and property insurance)
  • How much money should be kept in your emergency fund
  • Which changes can help with improving your tax situation
  • The rate of return that will need to be earned to accomplish your goals within a particular time frame
  • Whether it is sensible for you or not to pay your house off
  • What the appropriate investment risk level is for the different kinds of accounts you own
  • Many financial advisers provide tax planning and estate planning services.

What areas should a financial adviser provide advice on?

Ask which of the questions above they address, and if their advice is put into writing.


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6 Reasons Why Graphic Design Is More Important To Your Business Than You Think

graphic Designer

A business owner may have numerous concerns to address during his or her day to day activities. Hence, the majority of you may ignore the need for professional graphic designing in your business. But integrating professional graphic designs into your business is a step in the right direction of maintaining a successful business.

This article highlights 6 important reasons for integrating graphic designing within your business.

Brand Recognition

A company’s brand starts with a great logo that expands to every aspect of your business.

Your logo should be professionally done and needs to target your consumers in a way that is functional and attractive at the same time.

The brand should instantly connect your products or services with the audience.

Company Unity

The employees in your company may have access to company stationery, uniforms, websites, publications, and much more.

Your employees need to team up behind the design that represents your brand. Then only you can build a healthy and happy workplace for your employees.

Building the company identity starts inside the workplace, hence, the employees should be committed to your brand. A professional and creative graphic designer can strengthen that unity and commitment through the whole company.


Any company needs to make a great first impression on their clients, business partners, and vendors. Your logo has only a fraction of a second to make this impression. A cheap design will not take your business anywhere and may cause a negative impact on your company, making it difficult to correct even after some time.


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What To Include To Write An Effective CV

CV on the table

Most businesses are now requesting a CV when you apply for a job. Many people do not even know what this abbreviation means and skip over job advertisements requesting a CV.

A CV, also known as a Curricula Vitae, is simply a detailed record of your work history and accomplishments. This will include current and past employers, academic interest, education, honors, awards, publications, professional memberships and a list of references.

CVs help give potential employers of both your professional and personal life. Although employers are now requesting CVs instead of resumes, they do not spend a great amount of time looking at a CV.

Employers Spend 10 Seconds Looking Over A CV

In fact, most employers spend less than 10 seconds looking over a CV. This makes standing out from other applicants very difficult.

This article will help you understand how to formulate an effective CV to get an interview for your ideal job. You may want to produce the CV yourself or use a professional CV writing service to advise on how to best formalise your personal CV for the intended job.

As we mentioned, most employers spend less than 10 seconds looking over a CV, it is important to include the primary keywords that are relevant to the job you are applying for. List all experience, awards and education you have in a particular field.

This technique means you may have to tweak your CV for each application, however, the extra attention can help you stand out from the crowd.

When it comes to your CV it is important that you are always truthful. Chances are if you lie on your CV, the truth will come out either while you are being interviewed or once you are on the job.


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How Can Printed Carrier Bags Help To Promote Your Brand

marketing with carrier bagsYou could have the best product possible, targeted at the most receptive demographic and be positioned at the perfect location, but if you are not effectively communicating your business to your clients, you may as well be winking in the dark.

Luckily, modern marketing is awash with effective ways to promote your brand, goods or services. If you are selling goods from a physical retail outlet, a terrific way of getting some ‘Free Advertising’ would be to hand over the customer’s goods in a printed carrier bag that display your company’s brand or slogan.

If you are selling an object that can be wrapped or packaged, be sure that all the materials you use bear your brand and trademark, whether it’s scotch tape, wrapping paper, card boxes and more, don’t pass up an opportunity.

promotionThis is especially effective when selling products that are easily carried around from a physical location. Once you’ve handed your customer their printed carrier bag, they will leave the store and begin to stroll around as they continue throughout their day. As they walk around toting their printed paper carrier bags boldly announcing their endorsement of your brand and its products and do a great job of promoting your business.

This is also a very cost effective form of advertising, just a bit of extra cash where your carrier bags were budgeted. Of course, even tuppence for every hundred or so bags will add up, but think of all the money to be made by this very effective form of advertising. A handy printed carrier bag may even enjoy the extended use and proffer further publicity.


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Using A Cash Flow Injection To Jump Start Your Business

business cash flow

One of the primary issues facing all businesses, no matter what size, is cash flow. Most businesses must spend money to make money, which means they are using the companies cash flow to pay overheads or purchase inventory and typically cannot replace that money until a sale is made. If a business grows too fast, they may be spending more than they are bringing in which can potentially threaten the survival of the business.

If cash flow is a problem, a business should consider invoice financing.

Invoice Financing

Invoice Financing is a means of obtaining cash equivalent to what is owed on outstanding invoices before the customer pays needs to pay the invoice.

To attract new customers and be competitive in their market businesses are often forced to offer financing or credit plans. Offering this can provide a greater opportunity for their customers to make a purchase.

Invoice Finance works using a third-party financial institution for the business to borrow money based on the value of their outstanding invoices. The financial institution will pay the company a significant portion of the money owed on the invoice before the invoice is paid by the customer. The financial institution, paying the amount of the invoice, will either be responsible for collecting against the invoice or the company will pay back the financial institution when they receive payment for the invoice.

There are two primary methods of Invoice Financing – Invoice Factoring and Invoice Discounting.

Invoice Factoring

Invoice Factoring is the more common form. The financial institution or factoring company will simply by the invoices from the business. They will then be responsible for collecting what is owed against the invoices. Once the customer pays the invoice, the factoring company takes out their commission or fee and then passes the remainder of the money collected to the business.


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We would like to hear your comments on any of news stories you’ve seen on our website by using the comments below.

We look forward to hearing from you.

The Butter And Cheese Team

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